Car insurance costs, broken down by state and driver profile
Real minimum coverage requirements and sourced rate estimates for teens, seniors, and high-risk drivers — state by state, no sales calls, no quote forms selling your info.
Explore by state
Coverage requirements and cost estimates vary sharply by state. Start with your state below — we're adding new states and driver profiles regularly.
Texas
Minimum coverage is 30/60/25
- Teen drivers →Live guide
- After a DUI (SR-22) →Live guide
- Senior drivers →Live guide
California
Minimum coverage is 30/60/15, no gender rating
- Teen drivers →Live guide
- After a DUI (SR-22) →Live guide
- Senior drivers →Live guide
Florida
No-fault: $10k PIP + $10k PDL minimum
- Teen drivers →Live guide
- After a DUI (FR-44) →Live guide
- Senior drivers →Live guide
New York
Hybrid liability + no-fault PIP
- Teen drivers →Live guide
- After a DUI (no SR-22) →Live guide
- Senior drivers →Live guide
Ohio
Teen and after-DUI coverage guides
Coming soonPennsylvania
Teen and after-DUI coverage guides
Coming soonWhy Covered Route
We're not an insurance agency and we don't sell policies. Every guide is built the same way.
Sourced, not guessed
Every rate figure links back to a named source — state insurance departments, industry data, or rate-comparison publishers — with the date we pulled it.
Ranges, not fake precision
Real premiums vary by insurer, driving record, and ZIP code. We show you the realistic range and what moves it, instead of one made-up number.
No lead-selling forms
We don't collect your information to sell to insurance agents. Read the guide, then shop quotes wherever you want.